Skip to content
Serving Those Who Serve
  • About STWS
    Our Team Our Credentials Fed-Focused Financial Planning Fiduciary Investment Management
  • Blogs & Podcasts
    Featured Authors Benefits Ben Jennifer Meyer Katelyn Murray Dan Sipe Podcasts FedLife The Fed15
  • Ed Zurndorfer
  • Learn
    CSRS FEGLI & Life Insurance FEHB/Medicare FERS Social Security Taxes TSP FLTCIP/Long-term Care
  • Contact STWS
    Schedule Consultation Financial Advice Refer a Friend & Get Rewarded Build Your Career with Us: Explore Opportunities at Serving Those Who Serve
  • FERS Calculator
  • Webinars & Seminars

Month: July 2024

Federal Agency News Federal Employee Benefits

Federal Employee Annual Leave: Accrual & Retirement Explained

Jul 18, 2024 Dan Sipe

How does annual leave impact a federal employee’s retirement? How does it accumulate, and in what situations can it be restored?

Federal Agency News Podcast The Fed15 Podcast

 The Fed15 Podcast: Maximizing TSP Contributions; Habit Stacking and Catch-up Contributions 

Jul 17, 2024 STWS

Dan and Katelyn discuss strategies like the 'January jump' to help maximize TSP balances, emphasizing the impact of small adjustments and advocating habit stacking for consistency. They also delve into…

Federal Agency News Federal Employee Benefits

The Case For a Late-Stage Career Change Into Federal Government

Jul 16, 2024 Benefits Ben

The trend of late-stage career changes is becoming increasingly common, with many jobseekers finding federal government jobs an attractive option. A recent employee survey conducted by the U.S. Office of…

Federal Agency News The FEDZONE

Delaying Traditional TSP and Traditional IRA RMDs Can Result in Additional Income Taxes

Jul 15, 2024 Ed Zurndorfer

Most of us would prefer not to pay up-front for anything that could be paid for at a later time. That is true for paying income taxes on retirement distributions,…

Federal Agency News Federal Employee Benefits

The MSPB Backlog: Understanding The Cause, The Solution. and What it Means

Jul 12, 2024 Benefits Ben

If you’re a federal government employee, you might have experienced a personnel grievance like wrongful termination, a demotion, or a reduction in grade. That grievance might have led you to…

Federal Agency News Federal Employee Benefits

Your June TSP Update: C Fund Soars on Shaky Footing, While F Fund Continues to Fight for a Comeback

Jul 10, 2024 Jennifer Meyer

As we wrap up the first half of 2024, there is much to cheer about for TSP participants as the stock funds all show positive year to date gains.

Federal Agency News Podcast The Fed15 Podcast

 The Fed15 Podcast: Portfolio Structuring and COLAs 

Jul 9, 2024 STWS

Dan and Chelsea discuss combining QCD and Roth conversion strategies, alongside pay raises, parity, and protection for federal employees. Dan and Katelyn offer guidelines for building a resilient investment portfolio…

Federal Agency News Federal Employee Benefits

Potential Adjustments to Mandatory Retirement Ages for Federal ATC and Pilots

Jul 8, 2024 Benefits Ben

The aviation industry is buzzing with discussions about raising the mandatory retirement age for federal air traffic controllers (ATC) and pilots. If enacted, this change could extend careers and massively…

Federal Agency News The FEDZONE

IRS Increasing Estimated Tax Penalties: What Federal Employees and Retirees Need to Know

Jul 7, 2024 Ed Zurndorfer

Over the past year, the IRS has significantly increased penalties on underpayment of both estimated tax payments and federal income withholding from salary and retirement income

Federal Agency News Federal Employee Benefits

The Case for Private Life Insurance for Feds — When FEGLI’s Not Your Best Option

Jul 5, 2024 Benefits Ben

The U.S. government launched the Federal Employees’ Group Live Insurance Program (FEGLI) during the mid-1950s to provide group life insurance for federal employees and their families.

Posts pagination

1 2 3
Fedlife Podcast
https://youtu.be/hRk3MybMmdc
Recent Posts
  • FedLife Podcast: Medicare Enrollment Deadlines and What Feds Need to Know
  • The Fed15 Podcast: Navigating Return-to-Office Costs and CFPB Uncertainty
  • Departing Employees Need to Consider What Happens to Their HCFSAs and HSAs
  • The Future of Social Security: Potential Reforms and Their Impact on Feds
  • What USAID’s Shutdown Means for Federal Employees and Their Financial Futures
Upcoming Webinars
Understanding Your FEGLI Benefits
Understanding Your FEGLI Benefits
5 May 25
Understanding Your Social Security Benefits
Understanding Your Social Security Benefits
14 May 25
Understanding Your FEHB & Medicare Benefits
Understanding Your FEHB & Medicare Benefits
21 May 25
TSP Planning With Ed Zurndorfer
TSP Planning With Ed Zurndorfer
22 May 25
Tax Planning with Ed Zurndorfer
Tax Planning with Ed Zurndorfer
28 May 25
Early Retirement Planning (RIFs, VERA, VSIP, Discontinued Service Retirement, and more) for FERS Employees
Early Retirement Planning (RIFs, VERA, VSIP, Discontinued Service Retirement, and more) for FERS Employees
28 May 25

Checkbook’s FEHB comparison tool lets you easily compare 158 FEHB plans and helps instruct how Medicare Part B will integrate with your FEHB plan.

USE CODE “stwserve” FOR A 20% DISCOUNT for the Guide to Health Plans for Federal Employees

*Consumer’s Checkbook not sponsored or endorsed by Raymond James, and should in no way be considered an endorsement of, referral to, recommendation for, or offer to purchase any product or service from Raymond James or the Financial Advisors.

PROMO CODE:
stwserve
Client Portal Login

© 2025. All Rights Reserved.

15245 Shady Grove Rd Ste 240

Rockville MD 20850-3239

Phone 301-216-1111

Lee Sipe and Associates DBA Serving Those Who Serve.

2025 Forbes Best-in-State Wealth Management Teams

Best-In-StateWealth Management Teamsis based on an algorithm of qualitative criteria, mostly gained through telephone and in-person due diligence interviews, and quantitative data. This ranking is based upon the period from 3/31/2022 to 3/31/2023 and was released on 01/09/2024. Advisor teams that are considered must have one advisor with a minimum of seven years of experience, have been in existence as a team for at least one year, have at least 5 team members, and have been nominated by their firm. The algorithm weights factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their practices and approach to working with clients. Portfolio performance is not a criteria due to varying client objectives and lack of audited data. Out of approximately 10,100 team nominations, 4,100 advisor teams received the award based on thresholds. This ranking is not indicative of an advisor's future performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating. Compensation provided for using the rating. Raymond James is not affiliated with Forbes or Shook Research, LLC.

Please see https://www.forbes.com/lists/wealth-management-teams-best-in-state/ for more info.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, marketed as Serving Those Who Serve (STWS). Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Serving Those Who Serve (STWS) is separately owned and operated and not independently registered as a broker-dealer or investment adviser. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members. Contact our office for information and availability.

Raymond James Legal Disclosures including Form CRS

Raymond James Privacy Policy

Check the background of this firm on FINRA’s BrokerCheck

Finra
SIPC

STWS is owned and operated by Daniel Sipe and Tom Lee (the “Financial Advisors”). The Financial Advisors are registered financial professionals of Raymond James Financial Services, Inc. (“RJFS”), a broker-dealer registered with the Securities and Exchange Commission (“SEC”), and Raymond James Financial Services Advisors, Inc. (“RJFSA”), an investment adviser registered with the SEC, (collectively, with their affiliates, “Raymond James”).

Mr. Zurndorfer does not pay compensation to or receive compensation from STWS in connection with Presentations hosted by Mr. Zurndorfer. However, Mr. Zurndorfer does provide similar educational presentations at certain Federal Retirement Benefits Seminars (“Seminars”) hosted by STWS, for which Mr. Zurndorfer receives compensation from STWS. All presentations, seminars, articles and videos are informational in nature and are not geared toward the circumstances or goals of any particular attendee; they are not intended to be, and should not be relied upon as, investment advice to anyone or a solicitation of Raymond James' services.

Mr. Zurndorfer is not affiliated with Raymond James, and is not authorized to provide investment advice on behalf of Raymond James, to solicit or refer investors to Raymond James, or to act for or bind Raymond James. The presentations, seminars, articles, videos, Mr. Zurndorfer, and the educational information provided therein are not sponsored or endorsed by Raymond James, and should in no way be considered an endorsement of, referral to, recommendation for, or offer to purchase any product or service from Raymond James or the Financial Advisors.

Federal government agencies, including the SEC, do not endorse or sponsor particular securities, issuers, products, services, professional credentials, firms, or individuals. Neither Raymond James, the Financial Advisors, STWS, nor Mr. Zurndorfer are affiliated with, endorsed by, or authorized to speak on behalf of the U.S. Government, the Federal Employee Retirement System, or any other Federal Government-sponsored benefits programs or retirement plans, including the Thrift Savings Plan (collectively, “Federal Benefits Plans”).